Pros, cons, and who each carrier is built for.
Mutual of Omaha and AIG dominate the category. Aetna and Transamerica are the strongest alternatives. Colonial Penn has high brand awareness but typically costs more for the same coverage. A licensed agent will quote 5+ carriers in one call so you don't have to pick blindly.
See our overall rankings at Best Companies of 2026.
Day-one full benefit, generous underwriting for tobacco users and well-controlled diabetes, AM Best A+ rated. Industry standard for healthy adults 50–85.
The price leader in guaranteed acceptance. No health questions, $5,000–$25,000 face amounts, 2-year graded benefit (standard for guaranteed issue).
Aetna's Accendo subsidiary writes simplified-issue policies for buyers who get declined elsewhere — diabetes with insulin, COPD, prior heart attacks more than 2 years ago.
Offers up to $50,000 simplified-issue — the highest face amounts in the final expense category. Good for buyers who want larger coverage without an exam.
Competitive level-benefit pricing plus fraternal member benefits (scholarships, legal services, grief counseling) — included free with every policy.
Known for the TV-advertised "Grow-Up Plan" for kids, Gerber also writes guaranteed-issue adult final expense. Reasonable rates 50–80, $5,000–$25,000 face amounts.
Heavy TV advertising drives high brand awareness, but the $9.95/unit pricing buys very small amounts of coverage. Compare carefully against AIG and Gerber.
A licensed independent agent will quote you from all of them.
A quick call. A real quote. No medical exam.